San Luis Obispo County property record for 1651 Cass Ave, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,500 sqft · built 1960 |
| Lot Size | 0.164 acres (7,120 sqft) |
| Owner | Company Name on File |
| Last Sale | $940,000 (Aug 2020) |
| Tax Bill | $10,581 (2025) |
| Deeds & Mortgages | May 2023 Reverse Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-172-015 |
| Primary APN | 064-172-015 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Multi-Family |
| Construction Type | Wood |
| Lot Area | 7,120 sqft (0.164 acres) |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1651 CASS AVE |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | PR BCH NO 2 BLK 1 LTS 16 & 17 & PTN OF LT 36 |
| Legal Subdivision | PASO ROBLES BEACH UN 2 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10504 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 15, 2023 | Correction Deed · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 21, 2020 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| May 8, 2019 | Affidavit of Death, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2020 · Amount on File |
| Deed Sale | Aug 21, 2020 · Amount on File |
| Deed Document Number | 202044332 |
| Prior Transfer Date | Oct 3, 1995 |
| Prior Transfer Doc | 0000045536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 15, 2023 |
| Property Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Document Number | 0000013414 |
| Map Reference | MB 3 PG 108 |
| Instrument Date | May 8, 2023 |
| Instrument | 2023013414 |
| Record Updated | May 24, 2023 |
| Title Company | FNC TITLE OF CALIFORNIA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Document Number | 0000013415 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 2023013415 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 21, 2020 |
| Property Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Document Number | 0000044332 |
| Map Reference | MB 3 PG 108 |
| Instrument Date | Aug 13, 2020 |
| Instrument | 2020044332 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Document Number | 0000044333 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 2020044333 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 8, 2019 |
| Property Address | 1651 CASS AVE, CAYUCOS, CA 93430-1329 |
| Document Number | 0000016935 |
| Instrument Date | Feb 5, 2019 |
| Instrument | 16935 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2019 |
| Title Company | PUBLIC TITLE COMPANY, PUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1855 PHEASANT DR YUBA CITY CA 959931189, YUBA CITY, CA 95993-1189 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Elementary School District | Cayucos Elementary School District (KG - 08) |
| Secondary School District | Coast Unified School District (9-12) (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,259,533 (+23.79%) Land $805,977 Building $453,556 | |
| 2025 | $10,581.00 (+0.82%) Homeowner's exemption | $1,017,484 (+4.04%) Land $790,174 Building $227,310 |
| 2024 | $10,495.00 (+1.11%) | |
| 2023 | $10,380.00 (+1.72%) Homeowner's exemption | $977,976 Land $759,492 Building $218,484 |
| 2022 | $10,204.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 7 (1993–2016) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Dec 2016 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SLO CSA NO. 10 - CAYUCOS WTP serves 0 people · EPA ID CA4010025 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 5 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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